No-Annual-Fee Cards with Concierge
$0 annual fee cards that still offer concierge.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Fidelity Rewards Visa Signature Card
Elan Financial
2% cash back
- +Visa Signature Concierge
- +No annual fee
VISA
2.0¢
per dollar
No annual fee(est. $25/yr in usable credits)
Also Great
TD Double Up Credit Card
TD Bank
2% cash back
- +Visa Signature Concierge
- +$200 cash back bonus (~$200 value)
- +No annual fee
VISA
2.0¢
per dollar
No annual fee
Welcome: $200 cash back
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| T-Mobile Visa®Capital One | 2% cash back | 2.0¢/$ | $0 | — | visa |
| U.S. Bank Altitude Connect Visa Signature CardU.S. Bank | 1x U.S. Bank Altitude Rewards | 1.0¢/$ | $0 | $12.50 | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 1% cash back | 1.0¢/$ | $0 | — | mastercard |
| BJ's One+™ Mastercard®Capital One | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Marriott Bonvoy Bold Credit CardChase | 1x Marriott Bonvoy | 0.7¢/$ | $0 | — | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $199.20 | mastercard |
More Options
#4Wells Fargo Active Cash CardNo fee
2.0¢/$
#5T-Mobile Visa®No fee
2.0¢/$
#6U.S. Bank Altitude Connect Visa Signature CardNo fee
1.0¢/$
#7Capital One Savor Cash Rewards Credit CardNo fee
1.0¢/$
#8BJ's One+™ Mastercard®No fee
2.0¢/$
#9Marriott Bonvoy Bold Credit CardNo fee
0.7¢/$
#10DoorDash Rewards Mastercard®No fee
1.0¢/$
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Open in full search with filters →Guides for this category
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- GuidesA monthly credit card statement audit for fees, subscriptions, and errorsA monthly statement check: reconcile the balance, scan for errors and unwanted subscriptions, review fees and interest, and use the billing-error process in time.
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